# FINANTA
Lancaster, PA · NCUA charter 24928 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/finanta-24928

Who the members are: federal charter, multiple common bond, organized 2021, low-income designated. 1,802 members of 2,000 potential (90.1% of the field); checking penetration 74% (share draft accounts per 100 members); loans per 100 members 16.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $42.7M |
| Members | 1,802 (53.8% YoY) |
| Full-time staff | 16 |
| Net worth | $6.2M |
| Net worth ratio | 14.5% (p48 of band) |
| ROA (annualized) | 10.04% (p100 of band) |
| Total delinquency | 1.26% (p67 of band) |
| Net charge-offs (annualized) | 0.29% (p68 of band) |
| Loans / shares | 26% (p10 of band) |
| Cash / assets | 80.5% |
| Borrowings / assets | 1.63% |
| Net interest margin | 1.85% (p3 of band) |
| Operating expense / assets | 9.03% (p97 of band) |
| Vehicles % of loans | 12% (p8 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 7.68% (p97 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 73% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 15% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 13% |
| Certificates % of member funds | 8% |
| Average share balance | $5,473 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 16% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $19,763 |
| Loans granted, annualized | $6.2M |

## Flags firing in the latest filing

- **expense trap** (`earn_opex`)
- **margin squeeze** (`earn_nim_squeeze`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 3 | net worth falling, losing money, expense trap |  |
| 2022-06 | 2 |  | losing money |
| 2022-09 | 1 |  | net worth falling |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | net worth falling |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 4 | delinquency 2x band, delinquency rising |  |
| 2023-12 | 4 | charge-offs p90 | delinquency 2x band |
| 2024-03 | 4 | delinquency 2x band | charge-offs p90 |
| 2024-06 | 5 | charge-offs p90 |  |
| 2024-09 | 4 |  | delinquency rising |
| 2024-12 | 6 | margin squeeze, delinquency rising |  |
| 2025-03 | 1 |  | net worth falling, delinquency 2x band, charge-offs p90, margin squeeze, delinquency rising |
| 2025-06 | 2 | margin squeeze |  |
| 2025-09 | 3 | net worth falling |  |
| 2025-12 | 2 |  | margin squeeze |
| 2026-03 | 2 | margin squeeze | net worth falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-08 [Finanta Opens Third Credit Union Branch in Pennsylvania - CUTimes](https://news.google.com/rss/articles/CBMilgFBVV95cUxNcEJtVEhrZVgyYXFwSWlaZEQyUUMwTFo5Z19NeWR5Vk50RFdBU3ZQS2dxaHZoaWdxLTNYMHdBNmxoWHVYY3pkSFl3SzBjdWdJNWVrdWFKanA1SmQ4YkhnM0NLZkIzMEE4SEdBckdCOE1sVTBBSXB3V1RnUWlTYVRkeE1rREpSTUxwN0x0LXlCR2hvVFZMeWc?oc=5) · CUTimes
- 2026-04-09 [Finanta Opens First Credit Union Branch in Reading - Berks Community Television](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOWDRrWjdDSVZ0dm15SWpyamVnc0dobHE0eXdZZUtENEFzX29FNDFmV2dnaTVURlVydlNMbXcwRUlRRHRWc2kwQXpwaGFrTlFaSjlvaUJkVnRzcmpkTm1faURqVFI1ZVg4UFJhMlRQMzNVc3BpVk9ZdTRMUzFXSjZzMHJXOUNkV2NNeEI0?oc=5) · Berks Community Television
- 2026-04-08 [Finanta opens first credit union branch in Reading - Berks Weekly](https://news.google.com/rss/articles/CBMikwFBVV95cUxPRjNHRlM4aEhpRTRZd3U0MXlkUktwWDlZM3BNdTMwak55SGVnaGgzSlBkdExuUFNidFJ2X1pLbFNGakxqUXlmbF9Vb2htN0dmNVAyTkdMd1RjMWM5alZLejBHdm12ZlRCaDgzQms5ZHlEZi1raHlSQ0tVdlJGQjhMZEJvdUpyWmhndXduRmd2VTNUSGs?oc=5) · Berks Weekly
- 2026-04-27 [Latino leaders surge into local office as Trump-era attacks fuel new urgency - WKMG](https://news.google.com/rss/articles/CBMiywFBVV95cUxORVd2LVdQWjFpVUFqYWJZREt6cjRDRkd6ckNKR3pEeV8yeFcwZTlBanhKb09qdGRyQWw2OFlaLWJSRHVJby1oSWpvbzJrZGZXMVJ5Ukk4RUFVMFVsX3c3NlhOdkIxODB6Ymk5RXlFNUxLQ01rR0Uxdl9RX0lneUFwSTdza2w2SUxmUmNlTm1nazhzZUFUNF9TMHlHSXhQWmlWbmxfd2lBTFZGVlNCeVlIR0JKZkdBNkQxQXkwMmJhdVBQNnllQ3E5RTZ6VQ?oc=5) · WKMG
- 2025-12-05 [Finanta launches its first credit union branch in Philly - CUInsight](https://news.google.com/rss/articles/CBMingFBVV95cUxPdDMwV2NrckVMVjVzaVBmWDB5dnVVTlZHOUQtRi12ZGpSdnEwTWdyeEYycXY2b0xydHdubGFKWTBNSVdsSEk4WjZBdVRobVJCRzU3SVVHel9Jd0FYMUt6bVJYY21rQnNNV0lpS1BmLWZHeVR2X05WVE9QZnhvMGx0anhrejJrUmxxX093Ym44UkgwTFl0Sk9hOGs5dlFoQQ?oc=5) · CUInsight
- 2026-04-13 [Finanta cuts ribbon on credit union in Reading - readingeagle.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxNRlYzUEh3R2d5THpqYmEwempFUUZEYWtURk45THlPdHhLX2pzZkxGS3RJLTA0WDRBSzBiNHpKN1BoYWdYSHBxdVVkUzlTRlB2dWVfNERTUXRDUGpaRlhfOUFvV1ZKR2k0Um41SGhEMzlpb3BCSTJNRUtrdDllS2FJZkNsLXM1YXZyYU1fY3hEbkM?oc=5) · readingeagle.com
- 2025-02-14 [Lancaster-based Finanta gets $15M donation to expand unique credit union - LancasterOnline](https://news.google.com/rss/articles/CBMigwJBVV95cUxOM3ZuNEZrYmpYSHZON3ZTZVlwMzFYSGROVmNZdWlmYVhoTzFRay1wTmo0OWdOTzB1eWVhc3k1NzY3aFlNamNOd3dUMjlISHZVSHZDeXRyZ2tfY0dTV3Y0Z2Z4Zy1tNHBMYm9sOFg1Vk4zZEVDdFhNX2JGOWhEY3hGbTJkS3hjU1AzMGE4cTVSOUhmVHdZN3ZpQmJqbkN4OVVuSVdTa2YxbVZSaE5pdWFoZ1NHUEZSQUc5QmhvYm80c1ZBbk43bHBxbWtTV1laMmVaYmloZFpmNkJkcU1FX2w2UGVDN2lKd1FjX0pVQzFVNHVKUVg2TWtwazhRcXM4RzdWRmdz?oc=5) · LancasterOnline

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24928 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/32.json (key "24928", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=24928
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide